I've had a HELOC with them since 2009 and the rate has been the same 3.49%. Annual fee is $50. I set up automatic payment and don't need to deal wsith my monthly payment except get monthly email from them my account is paid. I am very satified with them.
I was not qualified, and cannot understand why. I have no mortgage, few bills other than utility bills. I will re apply soon and if turned down will question as to why. I have checking/savings accounts with them with combined balances exceeding required amounts to qualify for $10 each account monthly.
if you want a loan try another bank i have banked with pnc for years and have never been abel to get loans there i have great credit and have to get loans at other banks when i need one if you are a evryday kind of person this is not the bank for you go figure i dont even bother to ask them anymore i just apply elswere and get approved
The worst loan ever!!!!!!!! They ripped me off just like the banks ripped off home owners. From the start they deducted money from checking account automatic and said we were late taking $400 a month payments with $5 going towards the principle for 8 years. Someone from that compay should be going to jail.
Applied for a home equity loan under the "smart refinance" program, which looked good on paper. I own my house outright (no mortgage) and it is worth about $170,000. I requested a home equity loan for $40,000. I was summarily denied because I didn't have a mortgage account on my credit report. Beware of this if you've bought a house with cash and never had a mortgage!
We opened a heloc with fifth third bank and ever since doing so it has been a total nightmare. Our interest rate fluctuates month to month which makes absolutely no sense being that it has a fixed rate of 5.75%. We have called over 20 times trying to resolve this situation with no recourse. Our monthly payment amount is interest only for $65. We typically pay $80 a month to knock down the principal each month. At other times we have made larger principal payments as well. Somehow they operate without any banking regulations and our extra principal we have applied mysteriously changes amounts month to month. It is literally so bizarre it is hard to argue because we don't even know what formula they have concocted to come up with the figures that they do. Their customer service is atrocious and they have no clue how to retain customers. We decided to refinance ours with a different bank after removing our checking and savings accounts to a credit union. I strongly recommend avoiding this bank like the plague....
Number one hardship terms is only temporary to get you though the hardship. Most only go 3x max and yes it goes back to the orignal terms.
2 when you get a revolving line of credit and max it and only pay min due every month you will pay till you die. You have to pay more then what's due otherwise your only paying interest every month. Da
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